Non-custodial payments
Accept crypto without handing funds to a processor
Unheld does not hold or control merchant funds or private keys. Supported payments settle directly to wallets the merchant controls, so there is no platform balance to withdraw from, no payout queue to be held in, and nothing for us to freeze — because the money was never ours to freeze.
Where the money actually goes
Custodial processor
- Payer
- Processor holds the funds
- Merchant wallet
The processor receives the payment, holds it, then sends a smaller one onward when its rules allow. Every risk on this page lives in that middle box.
Unheld
- Payer
- Merchant wallet
The payer sends to an address derived from the merchant’s own wallet. Unheld watches that address and reports what happened. There is no middle box.
Why this is checkable, not a promise
Your wallet is generated in your browser and the secret recovery phrase never leaves it. What Unheld receives is the public, watch-only part — enough to recognise your addresses and read what arrives on them, and not enough to move anything. That is a difference you can verify rather than take on trust: an address we can watch but cannot spend from.
You can leave at any time
Because the wallet is yours, your funds keep working without us. Your recovery phrase opens the same wallet in any standard wallet software, whether or not this account still exists.
What that changes in practice
- No payout can be frozen, because there is no payout — the money is already yours when it lands.
- No percentage is taken, because nothing sits in the flow to take it from.
- No platform balance to reconcile, and no withdrawal to schedule or wait for.
- If Unheld disappeared tomorrow, the money already on your addresses would be unaffected.
Your side of it
Custody is not free. Holding your own keys means a lost recovery phrase is unrecoverable — there is no support route that restores it, because nobody here has it. A custodial processor can reset your password; that is precisely the power this product removes. If you would rather someone else carried that risk, a regulated custodial processor is a reasonable choice and we would rather you made it deliberately.
What to know
- Payments arrive in the asset and on the chain they were sent on. There is no conversion and no fiat settlement.
- On-chain payments are irreversible. There is no chargeback mechanism to fall back on, for you or for the payer.
- Availability depends on applicable law and our terms.
Questions about custody
Does Unheld ever hold my money?
No. Payments go directly to addresses derived from your own wallet, and Unheld stores only your watch-only public key — it cannot spend, freeze or lose your funds because it never has them. Your secret recovery phrase is generated in your browser and is never sent to any server.
What happens to my funds if Unheld shuts down?
Nothing. The funds are already on addresses your own wallet controls, and your recovery phrase opens that wallet in any standard wallet software. You would lose the dashboard, the invoicing and the webhooks — not the money.
Can you freeze or reverse a payment?
No, and neither can anyone else. On-chain payments are final once confirmed, which removes chargeback risk and equally removes any recourse if you send to the wrong place. Unheld reports what happened; it cannot undo it.
Verify it on testnet first
Generate a wallet, create an invoice, and watch a payment arrive at an address you control — before any real money is involved.
Start free